Digital Banking Products

Build Meaningful Customer
Engagement

Personal Finance

Transform quality and frequency of engagement by personalising the digital banking customer experience

Meniga’s Personal finance innovation toolbox facilitates delivery of rich, personalised functionality and insights accessible via RESTful API. The Personal Finance solution enables banks to personalise digital banking and deliver a customer experience that rivals social media platforms

Cards & Accounts

Cards & Accounts

Consolidated view of all your cards & accounts with balance history & forecast

One of the most common tasks for online bank users is to check the available balance on their cards and accounts

  • All cards & accounts, including spouse accounts for a household view of your finances
  • Aggregation services to bring external accounts into a single view
  • Balance history and projected balance based on upcoming transactions
  • Notification alerts for balance thresholds

Request Demo Data Consolidation & Enrichment

Transactions, Categorisation & Search

Transactions, Categorisation & Search

Unified list of transactions from all cards & accounts with powerful Google-like search

The transaction list is the cornerstone of any online bank – a source for answering questions about your spending history. Meniga has taken the transaction list to the next level with accurate categorisation, merchant mapping, faceted filtering and powerful search capabilities

  • User-driven re-categorisation
  • Comment on transactions and #tag
  • Split transactions into categories
  • View merchant location on map

Request Demo Data Consolidation & Enrichment

Insights & Reports

Insights & Reports

Contextual expense reporting with extensive filtering capabilities

Providing information and education to people in context with their transactions is a powerful rewarding feeling and helps build a habit for finance management

  • Weekly and monthly reports rendered across channels, for example in activity feed and via email
  • Transaction detail reports including category and merchant reports
  • Predictions based on past spending
  • Net income trends
  • Detailed annual reports

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Budget & Financial Planning

Budget & Financial Planning

Flexible functionality to automatically generate & manage financial budgets

Maintaining a detailed budget is recommended practice for people that are motivated to take control of their finances. Reality shows that roughly 25% of the population is willing to take on the challenge but this in turn is one of the most engaged digital banking user group

  • Automated budget based on spending history
  • Easy to update and re-calculate
  • Review past spending based on categories and time intervals
  • Spending goals for a period of time in a single or selection of categories
  • Set a global budget for total spending in all categories

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Savings Goals

Savings Goals

Set and track savings goals connected to the balances of savings products

Setting goals and tracking progress is an effective way to get in shape - whether people are concerned about their health or their finances

  • Set savings goals through a virtual piggy bank or connect to savings account
  • Course to reach goals automatically mapped
  • Goal progress tracked using account balance
  • Add categories or photos for personalisation

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Peer Comparison

Peer Comparison

Compare finances to peers with similar demographic and financial profiles

Curiosity is a strong motivator for many people. Comparing personal finances to "people like you" can deliver powerful, actionable insight

  • Peer to peer comparison of your expenses, income and savings
  • Filter by demographic information such as age, gender and location
  • Fun and visual way of understanding how much you earn, spend and save in comparison to people like you

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Net Worth

Net Worth

Easily and intuitively understand your net worth based on current portfolio of assets

Thinking long term matters too, and tracking net worth over time is important to many people

  • Monitor long term net worth trend
  • Track balance history for all assets and liabilities
  • Manual tracking for assets and liabilities that are not bank products
  • Includes stocks, bonds, funds, real-estate, pension & other assets

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Upcoming / Cash flow

Upcoming / Cash flow

Short term account balance projection & cash flow management

Understanding the in- and out-flow of money is important for personal finance management

  • Report on cash flow history based on balance and transaction data
  • Highlight upcoming bills, payments and transfers
  • Projected balance history for individual accounts
  • Detect patterns and suggest upcoming transactions to be included in cash flow projections

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The Financial Activity Feed

The Financial Activity Feed

The heart of digital banking - where customers receive personalised user events such as insights, advice, offers and recommendations

Personal finances can me meaningful, fun and engaging at the same time. The financial activity feed facilitates a continuous dialog between the bank and its customers

  • The landing page for the new era of mobile banking: engaging, intuitive and interactive
  • Clearly categorised transactions and account information mixed with insights, advice, tailored offers and recommendations
  • Drill down into individual transactions
  • Personalised, informative and contextual information that tells the story of your financial life as it unfolds

Request Demo Dialog Engagement Platform

Notification & User Events

Notification & User Events

Highly customisable personal finance notification engine

People are impatient and demanding when it comes to interacting with their finances. They want insightful advice at the exact right time

  • Notifications of unusual spending & low-balance warnings
  • Personal finance insights
  • Weekly, monthly & annual income/expense reports
  • Playful spending pattern info nuggets
  • Personalised savings challenges
  • Targeted merchant funded offers based on actual spending behaviour
  • Custom user events

Request Demo

Request Demo

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